So I have lived in San Antonio 22 months and I put in a bid for a house last Monday. The offer was accepted within a couple hours, and close before October ends. I have lived in the Stone Oak area since moving here and enjoy it. I pick this area due to the school district, NEISD. I've been living there in a "luxury" apartment (lose term here...it's nice but not worth the money). I got the house at a steal at $26k under market value. Once my children finish highschool (elementary and middle school now) I'll prob sell it and move to somewhere outside of San Antonio. I believe homes in the Sonterra area of Stone Oak will appreciate in value very well. Some of the pros about this house and community are the gated with 24 hour security, and the community pool that is on my street and less than 60 second walk to it. The gated entrance actually works and doesn't stay open for anyone to piggyback into the community; the drop bar closes almost immediately after the car goes thru. I have seen the security driving around and when I was there for the home inspection security was at the intersection where one of the school buses dropped of to ensure no cars went thru the intersection or around the bus. I'm not sure if they always do this or if it was just a coincidence. I am a native Texan and have been away from here for far too long. It's good to be buying this home and really settling down here. I'm posting this just to share my experience with TGT. Oh and if anyone needs a stand up Realtor let me know; he is a retired military veteran too. I also have a mortgage company that is pretty good with the VA loans. Not sure if all Veterans know, but there is a loan program thru the Texas Land Board (TX Vet home loan) that actually has a lower interest rate than the regular VA home loan guarantee program. The TX Vet loan still uses the traditional VA loan benefit with a lower interest rate, but it does have two separate 1% fees for the TX Vet loan program. Right now the TX Vet rate is 4.58% and 4.08% for disabled Vets at 30% and higher. The TX Vet loan rates only change once a week, every Friday at 5pm. The VA home loan doesn't have a set interest rate and is set by the lender. So when looking at VA home loans be sure to do the numbers on both programs and chose the best one.